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Get the auto insurance that will help protect you

When you’re shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you’re protecting your life and your investment, as well as the lives of those around you. So, here’s a quick primer that outlines the basics of auto coverage:

Liability coverage is the most important coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results. Learn more about liability coverage.

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased. Learn more about collision coverage.

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters. Learn more about comprehensive coverage.

Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault. Learn more about medical payments coverage.

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage. Learn more about uninsured/underinsured motorist coverage.

Personal injury protection (PIP), also called no-fault insurance is available in certain states and pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident. Learn more about personal injury – no fault – insurance protection.

In addition to these basic coverages, you can choose from a host of optional coverages to create a customized auto policy that meets your individual needs.

Be confident in your insurance choices. We’ll work with you to develop an auto insurance policy that fits your needs and your budget.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, packages, deductibles, repair options, billing options and other features are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

If you cause an auto accident, you need protection for the damage you might do to another person and that person’s property. That’s what auto liability insurance is all about.If you’re in an accident in which you’re at fault, your property damage liability pays for the covered damage you’ve caused to the other car and provides you with legal defense if the other party files a lawsuit against you. Your bodily injury liability covers the costs associated with the covered injuries you may have caused to other people in that accident and also provides for a legal defense if you’re sued.

Key points when choosing liability insurance:

  • Bodily injury liability covers injury to people, up to the policy limits.
  • You should have enough property liability insurance to cover the amount of damage your car might do to another vehicle or an object such as a building or piece of equipment.
  • With both types of liability, you want enough insurance to cover a lawsuit judgment, without jeopardizing your personal assets.

Most states require all motorists to maintain some form of liability insurance. We can help you understand your state requirements and select the amount of liability coverage that’s right for you.

If you’re in an accident with another vehicle or object – or your vehicle overturns – your collision coverage will pay for the covered damage to your vehicle. The maximum amount you’d receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.

Key points about collision insurance:

  • In order to purchase collision coverage, you must also purchase comprehensive coverage.
  • Both collision and comprehensive coverage are generally required if you have a loan or lease on your vehicle.
  • Choose a deductible with an out-of-pocket cost you’re comfortable with should an accident occur.

If your car is stolen or is damaged by something other than collision, you’ll want to have comprehensive coverage to help pay for the loss. The maximum amount you’d receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.

Key points about comprehensive insurance:

  • Comprehensive typically covers damage from fire, vandalism, windstorm, hail, flood or impact with an animal.
  • If you have a loan or lease on your vehicle, comprehensive is generally required; otherwise, it’s optional.
  • Choose a deductible with an out-of-pocket cost you’re comfortable with should an accident occur.

The medical payments portion of your policy pays for covered medical expenses up to policy limits for this coverage for anyone injured in your vehicle – regardless of who’s at fault. It also covers you and your family members who might be involved in an accident as a pedestrian. Coverages vary by state. In some states, medical payments are covered under personal injury protection (PIP), also known as no-fault insurance.

It’s scary to realize that some drivers on the road have no insurance or have insufficient coverage. But when you have uninsured/underinsured motorist coverage, you’ll have protection even if you’re in an accident with one of those drivers.

Key points about coverage for uninsured/underinsured motorists:

  • As long as you’ve chosen sufficient limits on the policy, uninsured/underinsured motorist coverage can cover your medical bills and bodily injury resulting from an accident with someone who does not have sufficient insurance.
  • Coverage extends to you, your family and your passengers.
  • As a pedestrian, if you are hit by an uninsured driver, you can be covered.

The requirement for uninsured motorist coverage varies by state. In most states, it applies only to bodily injury coverage, but you can usually add uninsured/underinsured motorist property damage coverage to your policy as well.

Personal injury protection – or PIP – is often referred to as no-fault insurance because covered claims are paid regardless of who is at fault in an accident.

Key points about PIP no-fault insurance:

  • If you’re in an accident, PIP covers you, your family and any passengers.
  • PIP pays for covered medical and hospital expenses, and may pay for lost wages and expenses for childcare or household-related services while you’re recovering.
  • It may also pay for funeral expenses.

If you live in a state where PIP is required by law, your auto insurance policy should include this no-fault insurance. Coverages vary by state. In some states medical payments are covered under medical payments coverage.

As you build your auto policy, you may want to add one or more of the following coverage options. Please note that in some states, some of these coverages may already be included in your auto policy:

  • Gap insurance – or loan/lease insurance – can protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
  • Towing and labor pays for covered towing and labor costs if your vehicle is disabled, up to your policy limits.
  • Rental reimbursement or extended transportation expenses coverage can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.
Car insurance coverage should fit your needs – and your budget
To create the auto insurance policy that’s right for you, think about what you’d like covered, what you can afford to pay for that coverage and how much you can pay out of pocket if an accident occurs.
Deductibles
Your car insurance deductible is the amount you’ll pay out of pocket before your insurance kicks in. The lower the deductible, the less you’ll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your auto insurance premium.For example, if you choose a $1,000 deductible and have an accident causing $2,000 in damage, you would pay the first $1,000 of a covered loss before insurance kicks in.
No matter your individual insurance needs, everyone wants to save on auto insurance. Here are some discounts that you could qualify for depending on things like your driving history, the number of vehicles insured, whether you own your home that is insured elsewhere and the payment method you choose, just to name a few.
Safe Driver Discount
If you meet certain qualifications – such as no accidents, violations or major comprehensive claims in your household – you could benefit from our safe driver discount of up to 23%.
Continuous Insurance Discount
Customers who have no gaps in their coverage are eligible for this discount of up to 15%
Multi-Policy Discount
When you purchase Travelers auto, home and additional policies you could see savings of up to 13% on your auto policy.
Hybrid/Electric Vehicle Discount
You could save up to 10% on insurance for your hybrid or electric vehicle.
New Car Discount
When you purchase or own a car that is less than three years old, you may qualify for this discount of up to 10%.
Early Quote Discount
When you shop for insurance ahead of time before your current policy expires, you can be eligible for an early quote discount of up to 10%.
Good Student Discount
Have a student on your policy that has good grades? You may qualify for a discount of up to 8%.
Multi-Car Discount
You may be eligible for a discount of up to 8% if you insure more than one car with Travelers.
Driver Training Discount
Have a young driver who completed a driver-training course? That may qualify you for a discount of up to 8%.
Student Away At School Discount
If you have a dependent who goes away to school, you may qualify for this discount of up to 7%.
Home Ownership Discount
You may be eligible for a discount of up to 5% on your auto insurance if you own your own home or condo and insure it elsewhere.
Payment Discounts
You may be eligible for payment discounts depending on how you choose to pay your premium. You can get a discount by paying your auto policy premium in full, by paying through electronic funds transfer (EFT) or payroll deduction, and by paying your premium on time.
Sample coverages in New Jersey
Coverage Commonly Purchased Limits
Bodily Injury Limit $100,000 person / $300,000 per accident
Property Damage $50,000
Uninsured Motorist $100,000 person / $300,000 per accident
Underinsured Motorist Combined with Uninsured Motorist
Uninsured Motorist Property Damage $50,000
Full Personal Injury Protection? Yes
Medical Expense Coverage $75,000
Medical Expense Deductible $250
Maximum Weekly Income / Length of Income Continuation $250 per week / $104 weeks max

These are sample coverages and limits only. Additional coverages not listed may also be available in our state.